hi, around march 2013 i emailed my local council asking them about a letter i was sent saying i ignored to pay a ticket and the fact i thought i had paid it. below is that reply from the council back in 2013 Thank you for your email recently received. You have stated that you remember paying a £25 charge on the automated telephone system and our records show that a payment of £25.00 was made on 11 December 2012 f or Penalty Charge Notice ****** With regards to this Penalty Charge Notice, a Notice to Owner form was sent to you on 1 February 2013, this form allowed you to appeal formally to this office and clearly states that: “If neither payment nor representations have been received within 28 days of you receiving the Notice to Owner your right to appeal will be lost and a Charge Certificate will be sent to which increases the amount of the Penalty Charge by a further 50%” However, you failed to make a formal representation and the Notice progressed onto Charge Certificate, thus losing your right to appeal to an Independent Parking Adjudicator. You were subsequently sent a Charge Certificate on 11 March 2013. The Penalty Charge Notice is now due to be registered as a debt at Northampton County Court, which will incur the added costs of £7.00, increasing the total charge to £82.00. You then have the chance to make a Witness Statement against the charge, details of how to do this will be provided at the time. I must therefore advise you that if you fail to pay the Penalty Charge Notice or make a Witness Statement when the opportunity is provided, a Warrant may be issued to the bailiffs to recover payment. You will also become liable for the additional fees of the bailiff. Yours sincerely ------------------------------------------------------- well i never got anymore letters from anyone a year on i have forgotten about it to be honest but then i was given a letter that was sent to my old address not the address me or my car is registered to now from whytes & co quoting the above parking ticket and saying amount i owe council is £82, i knew that amount was going to come one day but below that a compliance stage fee £75 total to pay £157.00?. i have emailed them and included the original women from the council who emailed me the above reply asking why has this cost jumped up so much and why are they sending such important docs to an old address and not the address i and my car and insurance and licence are registered to and since charging so much cant they afford the £3 to search me on dvla to get things right? surely these people should check they have the right address if sending out letters with such charges and threatening about "taking control" and taking my car? i dont want debt or this rubbish so i made one payment of £10 friday via the website and have for the moment set up a S/O for £10 per week so i am seen as paying towards the £82 and allow for some reply from this whyte and co about this other £75 and why they are chasing old addresses. i did deal with another ticket in past with jbw and they were great fun to deal with but i knew what they could and couldnt do and i told the council i hold them responsible for having them chasing me for money for a ticket and after a load of email wars i managed to get the council to tell jbw to accept my offer of 10 p/w even though i offered jbw £20 a week but they refused. i am not sure at what stage this current ticket is at due to not knowing what letters i have not been sent and if whyte and co are yet another firm with heavy worded letters of threats but no actual power. thanks again for any advice you may have.

hi, i am private renting via an estate agents. i have been in property about 5 years. i had to get my local council involved last year due to the landlord evicting me last september (that was date estate agents letter said my 2 months notice was up) i was advised by council not to move out until it goes to court. since then i had the mother of landlord come round and try to force her way into house with a neighbour/friend. the council warned the landlord of actions and i have not seen them since. it took the council to get landlord to fix a leak under the sink (about 4 months) due to the damp and damage caused by the leak i have now discovered there is a rat in the cuboard under sink, i see it come up from ground after looking as heard a noise and the toilet in bathroom that i have been trying to get fixed for a year is almost falling over and leaking and tiles falling of the walls. not had an inspection for over a year from estate agents. the house is very dated and worn but clean as i keep it clean. i tried to call the estate agents and have discovered they have vanished and left landlords and tenents all over the town in the lurch. phone line is dead, website no more, premises is a furniture shop. lots of people chasing them and writing about them on other sites. i have emailed the council about this as i am on housing benifit which the council pay direct to the estate agents due to being sick. i only came out of hospital 2 weeks ago after being in hospital for 3 weeks due to having planned open heart surgery that has been planned for past year. i have not heard back after emailing the council lady who deals with me (have not spoke to her for about 6 months) i am not sure what to do and i have a daughter. i cant risk my daughter or me getting any disease or infection from a rat in the kitchen and the house is falling apart and i am still getting evicted i think? and i cant get a hold of estate agents and the landlords address on tenency agreemant is incorrect and has no contact number. the area i live in does not having a housing list but my boyfriend of 4 years who lives in the next town is on a waiting list and added me to his application about 9 months ago but we are only on a band 3? so we may have a wait as we plan to live together but would require affordable housing as he works full time and has commitments to his 2 children as he pays towards his children direct to his ex. we dont want to rent private as we just wouldnt be able to survive with me being off sick still for some time. any help would be great as not sure what to do. i have given as much info as i can in the hope someone may have an idea. thanks

hi thanks for replies, i was going to ask should i shouldnt i tell them i am going bankrupt so thats noted. should i send them my budgeting form that i received from CCCS which shows i have sod all left over each month and the list of debt companies and amounts i owe to, its a list all on a sheet of A4 paper? thanks again. i almost forgot, are there any template letters on this site that i could use to send to all the debt companies i owe money to, and when making payments to them how do i give them this £1? can i trust them having my card or bank details or do i ask for their bank details and set up standing orders or something? thanks

hi, i could not find anything relating to this so that may be an answer itself. if i have 2 bright house items in my name can i change ownership to my partner? its odd i know but i have a tv and stereo with them and have about 50 odd weeks left to pay on both but i may have to go bankrupt and have been told that the tv and stereo could be seized if i go bankrupt. any info regarding my circumstances and the above would be great and even more so if anyone has a list of what may get taken if you if you go bankrupt would be good to, as i heard there is a list of what you do and dont get to keep once going bankrupt, i am worried to death about it all to be honest as so much buzzing around my head. thanks

hi all, i have for a while been collecting my debt letters so i know what and who i owe and to my shock its around £16000, i had a telephone interview with CCCS they were helpful and sent me a folder out with a list of my debts that they could see on my credit file and what i told them from letters i had they also sent out my income and outgoing and explaining why going bankrupt is what i need to do, i basically have about £30 a week spare as it goes, makes me wonder why i work sometimes but id rather work than not. once i find £700 i will go bankrupt but for now should i not send a letter to all my debts stating i am going to go bankrupt but for now make a payment to them like £1 a week as i owe to about 14 different people so i cant afford to much per week or month? i am still struggling with how to make a start on this but really want to get this done and get the ball rolling with dealing with this debt and to let my debt people know i am aware i owe money and i am not wanting to ignore it but i cant afford lump sums or weekly amounts they would like. any help or advice would be appreciated thanks.

hello, we rent a house through a estate agents, when we first moved in the estate agency owner came round for the first 3month check about 9 months after we had been there. ever since they come round every 3 months and just seem to have a nose as we say the kitchen door on a unit needs fixing and a year on its still hanging, we say the extractor fan in bathroom does not work and still no fix, on their last visit 3 months ago they said they would get it all sorted but nothing. we are not in rent arears these people are jumped up and come out with one liners like do you want to carry on living here to which i reply NO! kind of shuts them up all because they get a whiff of smoke in the house, i smoke in conservatory. this is really starting to bug us now as they send a short letter saying we are coming to check the property on this time and date if you are not in as per contract we will let our selfs in, that really bugs me the fact they can just walk in when they wish and this estate agency is a one off its a family run thing no other branches and they have been in news for rubbing another estate agent up which ended up in court action and arrests, no wonder as the women owner is a bitch to be honest and her mouth will land her in trouble again soon, but since joining this forum i have learnt words and letters are worth more than a verbal attack, so once agin people what can we do? i was thinking if im correct we pay our rent were not in arears they do their 3 monthly checks but they are not keeping their end and fixing reported problems is this not enough to refuse them entry? any ideas as to how we can get this women to wind her neck in would be great, thanks!

hi people, i am really in a situtation now where i need to sort my debt out as its just getting a joke, at a rough guess i owe between 15-20grand worst case scenario. 11grand of that is due to a car i had on finance 4years ago and i handed it back due to costs they have not got ahold of me again yet but i expect the debt is still out there hunting me down. upto 1000 on a payday loan worst thing i have ever got into. and i have proberly around (5) £300 debts and there are some debts i dont even know about and the figures i would owe currently. but a ball park figure is like i said above 15-20grand. current debt i am paying is carter flint £6pw for £500 phenix debt recovery i pay 2x£5pw for 2 seperate debts they manage but i am ok with this but will not have a hope in hell once i dig up all my out standing and old debts my first plan is where can i find out who and how much i owe to as i know i have some big debts out there but i have fobbed them of in the past and have moved so do i go to experian will they be able to tell me what debt i have out standing and how much i owe and contact details for all these debts? i was also wondering once i have a list of who i owe if i can get a hold of that in the first place should i go to local CAB with my list of debts and explain my problem as i really would be no good with dealing with it on my own like writing to people i have debts with as i need to get my debt payments i do pay at the moment right down to a low amount as its killing me even working 70hrs a week to stay afloat and this is not even with the debts i do have but am not paying so i dont stand a chance. i have been reading about a IVA is this a path i should go down? i really dont know what i should do first but i have come to a wall now and i need to get this all sorted once and for all and face the demons hope someone can advise me where to begin and thanks for reading

i was lucky and done a stupid amount of overtime last week and have plenty more this week i skint myself when got paid last friday and have got it down to £175 i owe so i will be comftably able to clear this debt up next friday without breaking the loan terms and i will be closing and deleting wonga.com out of my life for good, i hope others get there problems sorted and hope people who even get the silly idea of taking up loand with these people look on this site and dot even bother, thankyou very much for your replies and i will sure come back to site if i have any info to give on any subject or should i have a problem in future, thaks again

hi people have read through a fair few threads but cant find a answer so am hoping someone can help, i have a out standing wonga loan i will be needing to pay back £599 on the 13th of this month a saturday. i am not in arrears or anything and have not defaulted on this loan as i have till the 13th to pay in full. i will be able to pay around £25o of this friday but i just know i will not be able to pay the out standing £350 up by the 13th. so what are my options as this only started out as a £200 loan and then i had to borrow of these again as was short due to paying the previous loan of them and it has carried on for a couple of months and now i owe £599 if i do default on last payment will they be able to go into my bank even if i cancel my debit card or do i need to close my account to or is just cancelling debit card enough to stop them going in day after day like you hear on the stories on here? hope you can help people thankyou!